fix: 简化提现收款对账，避免永远卡在收款处理中

- 同一审核单只保留最新一条进行中打款，多次点击不再堆叠阻塞
- 有 package 时查单失败也直接调起微信确认
- 无 package 超过20秒即作废允许重试；转账/网络失败返回明确错误而非 code12

Co-authored-by: Cursor <cursoragent@cursor.com>

users/tixian_shenhe_views.py

@@ -394,12 +394,17 @@ def process_audit_collect(request):
 
             except requests.RequestException as e:
                 logger.error(
-                    '微信打款网络异常(保持待查单): bill=%s err=%s',
+                    '微信打款网络异常: bill=%s err=%s',
                     tixian_id, e, exc_info=True,
                 )
+                _mark_auto_record_failed(tixian_id, '网络异常')
+                if quota_reserved:
+                    release_collect_quota_for_record(
+                        TixianAutoRecord.query.get(tixian_id=tixian_id),
+                    )
                 return Response({
-                    'code': 12,
-                    'msg': '收款请求已提交，请稍后再试',
+                    'code': 99,
+                    'msg': '网络异常，请稍后再次点击收款',
                 })
 
         finally: